We work with you to review your credit reports for questionable negative items, Including late payments, collections and more.
We work with your creditors and the credit bureaus to verify your questionable negative Items as accurate, fair and substantiated
As we work on your case, you can focuson managing your credit wisely. That way you can stay on track and reach your credit goals.
Your credit score is a 3-digit number between 300 and 850 that shows how creditworthy you are. Lenders use your credit score to decide whether or not you qualify for loans. They also use your credit score to determine your interest rate. Credit scores are calculated using a 5-part formula, calculated based on the following factors: payment history, amounts owed, length of credit history, mix of types of credit, and amount of new credit. Your credit scores don’t just influence your ability to get a loan at a good price, however. Employers check credit to make sure that their employees can be trusted with money. Landlords check reports to determine whether or not they are a risky tenant. Using credit in this way is extremely common in our society, and because of this, having a good score can affect your financial future in more ways than one. If you have a poor credit score, you might benefit from Wisdom Credit Repair.
First, we take a close look at your credit and work with you to determine which questionable negative items are wrongfully hurting your score.
Next, we ask the bureaus and your creditors to verify these negative items as accurate and fair. If they can't, they are required to remove them.
As you work to manage your credit wisely, we continue to leverage the law for your credit, addressing new credit issues as they appear.
Schedule a FREE consultation for credit repair services today!
One-on-One
With a
NACSOⒸ Certified
Specialist
ID Theft Restoration and Insurance Included
Cease and Desist
Letters to Collection
Agencies
24/7 Access to Your
Client Portal
Debt Validation
Letters to Creditors
Goodwill Letters to
Creditors
Registered and
Bonded
Monthly Plan with
Unlimited Dispute
Letters Available
Monthly Plan with
Unlimited Dispute
Letters Available
24/7 Access to Your
Client Portal
Wisdom Credit Repair process starts with a free online credit evaluation. We at Wisdom Credit Repair will take a look at your credit report to see what we can do to repair your credit. Your report will have many items on it, some of which are negatively impacting your credit scores. We will do whatever we legally can to remove those inaccurate negative items while giving you actionable advice on how to improve the positive credit you’ve worked so hard for.
According to the Fair Credit Reporting Act, everyone is allowed to dispute information on their report that they deem to be inaccurate, or information that is no longer allowed to be on a report. In 2015, it was found that 23% of consumers found inaccurate information on their credit reports, and that’s just those who looked for them! This could have drastic negative effects on your credit score. Credit bureaus (Experian, TransUnion, and Equifax) are required to remove information that isn’t supposed to be on a consumer’s report. This includes information that is inaccurate, information that was supposed to be removed, and incidences of potential fraud.
Our credit repair service looks for inaccurate or otherwise erroneous items on your report and takes care of the dispute process. We contact each credit bureau, dispute each item, and go through the process required to get those items removed or updated to the correct status. Our proven credit repair process has helped over 100,000 people in the United States! Schedule a free credit consultation with Wisdom Credit Repair today!
